The reason that many debt reduction efforts fail is because the person does not truly believe that they will be able to get out of debt or because the person does not see results as fast as they believe they should. (discoverdebtfreedom.com)
But, it's big enough to help you handle some of the everyday things that come up and can throw off your debt reduction efforts. (studentloanhero.com)
Snowflaking can be a way to give your debt reduction efforts a little extra boost. (creditcardsmarts.org)